Terms of Service

You are responsible for:

• Safeguarding your login credentials and not sharing them with others
• All activity that occurs under your account, whether or not authorized by you
• Notifying us immediately at [email protected] if you suspect unauthorized access to your account
• Keeping your account information accurate and current

GrowthSim reserves the right to suspend or terminate accounts that violate these Terms, engage in abusive behavior, fail to pay applicable fees, or remain inactive for extended periods (12 months or more). We will make reasonable efforts to notify you before suspending your account, except where immediate action is required to protect the Service or other users.

The Service is provided to Organizations, not to individual users. The person who creates an Organization is the initial Owner. Organizations may have multiple members (“Seats”) subject to plan limits.

Organization Owners are responsible for:

• Managing team member access and permissions
• Ensuring all team members comply with these Terms
• Controlling which team members can initiate simulations and thereby consume Tokens
• Promptly removing access for departing team members
• All activity occurring under the Organization account
• All billing and payment obligations for the Organization

Each subscription plan includes a base number of Seats. Additional Seats may be purchased at the published per-seat rate. All team members within an Organization share the same Token pool and AI budget. Organizations may have a maximum of 11 members (1 Owner plus up to 10 additional Seats, depending on plan).

Seat billing is pro-rated: adding Seats mid-cycle incurs a pro-rated charge for the remainder of the billing period. Reducing Seats takes effect at the end of the current billing cycle.

All data entered into, generated by, or stored within an Organization account (including questionnaire responses, simulation results, and AI chat history) is owned by the Organization, not by individual team members. When a team member is removed from an Organization, their contributed data remains with the Organization.

Team invitations are valid for 7 days from the date of issue. The Organization Owner is responsible for ensuring that invitations are sent only to authorized individuals. Expired invitations must be re-issued.

GrowthSim offers tiered subscription plans (Free, Pro, Max, and Mad Max) with Token-based metering. Current plan details, pricing, Token allocations, and feature availability are published on our pricing page and within the dashboard. All prices are in euros (EUR) and exclude applicable taxes.

Annual billing is available for all paid plans. Annual subscriptions are billed upfront for 12 months at the published annual rate.

Everything in GrowthSim is metered in Tokens. Quick Runs and Deep Analysis runs each consume Tokens at the rates published in the dashboard. The AI copilot also consumes Tokens from the same shared pool. Higher-capability AI modes consume more Tokens per question than the default mode. Current Token consumption rates are displayed before you initiate any simulation or AI interaction.

Tokens included with your subscription plan expire at the end of each billing cycle and do not roll over to the next period. Unused Tokens carry no cash value and are non-transferable between Organizations.

On-Demand Usage is available on eligible plans only. When your monthly Token allocation is exhausted, you may continue using the Service at the premium per-Token rate published on your plan’s pricing page, billed via Stripe metering at the end of each billing cycle.

You control On-Demand Usage through your account settings with three modes: Unlimited (no cap), Fixed (you set a monthly spend cap in euros), or Disabled (simulations stop when Tokens run out). On-Demand Usage is automatically disabled if a payment fails.

Each paid plan includes a separate EUR-denominated AI budget that covers the cost of AI copilot usage. This budget is calculated as a percentage of your subscription fee and scales with additional Seats. A hard safety cap ensures that our cost to operate the AI copilot for your Organization never exceeds a fixed percentage of your subscription revenue.

If you approach your AI budget limit, the system will automatically restrict you to the most cost-efficient AI mode (Fast) to preserve remaining budget.

First-time paid subscribers are eligible for a 14-day free trial. During the trial, you have full access to the features of your selected plan. If you do not cancel before the trial ends, your subscription will automatically convert to a paid subscription and you will be charged the applicable fee. Free trials are not available to returning customers who have previously held a paid subscription.

All payments are processed by Stripe. We never see, store, or have access to your full payment card details. By subscribing to a paid plan, you authorize Stripe to charge your payment method on a recurring basis at the applicable rate. All amounts are billed in euros (EUR).

When switching plans, your Token allocation is recalculated for the new plan. If you downgrade to a plan that does not support On-Demand Usage, it will be automatically disabled.

You may cancel your subscription at any time through your account settings. Upon cancellation:

• Your subscription remains active until the end of the current billing period
• On-Demand Usage is immediately disabled
• At the end of the billing period, your plan is downgraded to Free and remaining billing credits are expired
• No pro-rata refunds are provided for the unused portion of your billing period

Token purchases and subscription fees are generally non-refundable. If a simulation fails due to a platform error (not due to invalid user input), the consumed Tokens will be automatically refunded to your Organization’s Token balance.

GrowthSim’s internal metering systems are the sole authoritative measure of Token consumption and AI usage. You may review your usage at any time through the dashboard. If you believe there is a metering error, you must notify us within 14 days of the relevant billing cycle. We will investigate and, if an error is confirmed, correct your Token balance or issue a credit.

We may modify our pricing, Token consumption rates, or plan structures at any time. Material pricing changes will be communicated via email at least 30 days before taking effect. Your continued use of the Service after the new pricing takes effect constitutes acceptance of the updated pricing. If you do not agree with a price change, you may cancel your subscription before the change takes effect.

• Questionnaire: You fill out a guided questionnaire with company-specific data covering customers, team, delivery, costs, hiring, and payment terms.
• Simulation: Our engine runs Monte Carlo simulations over your data, modeling thousands of possible futures under stochastic conditions.
• Results: You receive risk scores, daily metric projections with confidence bands, event probabilities, sensitivity analysis, and actionable insights.
• AI Copilot: A specialized AI assistant (powered by large language models) that can analyze your simulation results, answer questions about your data, and provide recommendations grounded in your specific simulation output.

You may not:

• Attempt to reverse-engineer, decompile, disassemble, or otherwise derive the source code of the simulation engine, AI models, or any other proprietary component of the Service
• Abuse, circumvent, or deliberately exceed the rate limits imposed by the Service
• Submit intentionally misleading, fraudulent, or fabricated questionnaire data to manipulate simulation outputs
• Access the Service through automated means (bots, scrapers, crawlers) except through officially provided APIs
• Attempt to access data belonging to other Organizations or users
• Use Simulation Outputs or AI Outputs to intentionally mislead third parties about financial projections or business performance
• Resell, redistribute, or commercially sublicense Simulation Outputs or AI Outputs without our prior written authorization
• Use the Service to violate any applicable law, regulation, or third-party rights
• Interfere with or disrupt the integrity, security, or performance of the Service

The Service imposes per-user and per-Organization rate limits to ensure fair usage and platform stability. These limits apply across all endpoints and may vary by plan. Deliberately attempting to circumvent rate limits may result in temporary or permanent suspension of your account.

Programmatic API access and white-label licensing are available under separate commercial agreements. Contact us at [email protected] for details.

The Service, including all Simulation Outputs, AI Outputs, risk scores, recommendations, and insights, is provided for informational and decision-support purposes only. Nothing in the Service constitutes:

• Financial, investment, tax, legal, or accounting advice
• A recommendation or solicitation to take any specific business action
• A guarantee or prediction of future financial performance
• A substitute for consultation with qualified professional advisors

You acknowledge that business decisions involve risks that cannot be fully captured by any simulation model, and you assume full responsibility for any decisions made based on information provided by the Service.

Our simulation engine uses advanced Monte Carlo methods, copula-based correlation modelling, and adaptive convergence to produce statistically robust scenario analysis. While the engine is built on a strong mathematical foundation, all simulation models operate within inherent boundaries:

• Simulations model a comprehensive but finite set of operational and financial variables. They do not account for extraordinary events, regulatory changes, or other unforeseeable external factors
• Correlation structures between variables are modelled using established statistical techniques, but represent approximations of real-world dependencies
• Simulation results are most valuable for horizons up to 1 year; longer horizons carry greater uncertainty as assumptions compound over time
• The quality of Simulation Outputs depends on the accuracy and completeness of the data you provide. Better inputs produce more reliable results
• Quantitative outputs (scores, percentages, confidence intervals) represent probabilistic estimates, not deterministic predictions

The AI copilot uses large language models (provided by Anthropic) to generate analysis and recommendations based on your simulation data. You acknowledge and agree that:

• AI-generated outputs may contain inaccuracies, errors, inconsistencies, or omissions
• AI models may produce different outputs for identical inputs across different sessions
• AI-generated content is based on your simulation data and language model capabilities and should be validated against your own business knowledge
• We make no representation or warranty regarding the accuracy, reliability, or completeness of AI-generated content

Your data is processed by the AI copilot on a per-request basis only. Anthropic does not retain your data beyond request processing and does not use your data to train their models. For details, see our Privacy Policy, Section 4.

You agree that you will:

• Review all Simulation Outputs and AI Outputs before making any business decision
• Apply your own professional judgment and, where appropriate, consult qualified financial, legal, or business advisors
• Not treat Simulation Outputs or AI Outputs as substitutes for professional advice or due diligence
• Verify any critical data points or recommendations independently before acting on them

Simulation results represent probabilistic scenarios based on the data you provide, not guarantees of future performance. To the extent that any simulation incorporates historical patterns or statistical distributions, past performance is not indicative of future results. While the engine is designed to provide meaningful, data-driven scenario analysis for business planning, actual outcomes may differ from simulated results due to factors beyond the scope of any model.

The GrowthSim platform, including its simulation engine, AI models, algorithms, statistical methods, user interface, documentation, branding, and all related intellectual property, is and remains the exclusive property of Growthsim OÜ and its licensors. Nothing in these Terms grants you any rights in our intellectual property beyond the limited right to use the Service as described herein.

You retain all right, title, and interest in Your Data: the business information, questionnaire responses, financial inputs, and other data you provide to the Service.

As between you and GrowthSim, your Organization owns the Simulation Outputs and AI Outputs generated for your Organization, subject to the following:

• Outputs may not be unique. Similar inputs from different users may produce similar or identical outputs
• Our underlying AI models, algorithms, prompts, statistical methods, and training data remain our exclusive property
• We retain the right to use anonymized and aggregated patterns derived from Service usage to improve our models and the Service, provided such data has been irreversibly anonymized and cannot be traced back to your Organization
• Anonymization follows the Article 29 Working Party Opinion 05/2014 standard, including k-anonymity (k ≥ 5), suppression of outliers, generalization of financial figures to bands, and aggregation into cohorts of 20 or more
• Use of your identifiable data for AI model training requires separate, explicit opt-in consent. See our Privacy Policy, Section 4 for details

You grant us a limited, non-exclusive, worldwide license to use, process, store, and display Your Data solely as necessary to provide the Service to you and your Organization. This license terminates when you delete Your Data or your account, except for data that has been irreversibly anonymized and incorporated into aggregate datasets as described in Section 9.3.

If you provide feedback, suggestions, ideas, or recommendations regarding the Service (“Feedback”), you grant GrowthSim an irrevocable, non-exclusive, royalty-free, worldwide license to use, modify, and incorporate such Feedback into the Service without restriction or obligation to you. Feedback is provided voluntarily, and you have no expectation of compensation or attribution.

While we strive to maintain high availability, we do not guarantee any specific level of uptime or availability for the Service. The Service is provided on an “as available” basis.

We may perform scheduled maintenance that temporarily reduces Service availability. We will make reasonable efforts to provide advance notice of planned maintenance via email or in-app notification, but are not obligated to do so for emergency maintenance.

We shall not be liable for any interruption, suspension, or degradation of the Service, whether planned or unplanned, including but not limited to interruptions caused by:

• Scheduled or emergency maintenance
• Failures of third-party services or infrastructure
• Force majeure events (natural disasters, war, government actions, pandemics)
• Your internet connectivity or equipment
• Distributed denial-of-service attacks or other security incidents

Support is provided on a reasonable-efforts basis via email. We do not guarantee specific response times at this time. Enterprise support agreements with defined service-level commitments may be available upon request.

To the maximum extent permitted by applicable law, GrowthSim and its affiliates, officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of or inability to use the Service, including but not limited to damages for lost profits, lost revenue, lost data, business interruption, or loss of goodwill, regardless of the theory of liability and even if we have been advised of the possibility of such damages.

Our total aggregate liability to you for any and all claims arising out of or relating to these Terms or the Service shall not exceed the total fees actually paid by you to GrowthSim in the twelve (12) months immediately preceding the event giving rise to the claim. For users on the Free plan, our maximum liability shall not exceed fifty euros (€50).

Without limiting the generality of the foregoing, we specifically exclude liability for:

• Any business decisions made by you or your Organization based on Simulation Outputs or AI Outputs
• Any loss, damage, or adverse outcome arising from your reliance on AI-generated content or simulation results
• Data loss occurring during planned or unplanned service interruptions, provided we have taken reasonable precautions to protect your data
• Actions, errors, or omissions of third-party services integrated with the Service (including Stripe, Anthropic, and analytics providers)
• Token consumption that occurred as intended (consumed Tokens are not refundable except in cases of confirmed platform errors)

The limitations and exclusions in this section do not apply to: (a) liability arising from our willful misconduct or gross negligence; (b) liability that cannot be excluded or limited under applicable law, including mandatory consumer protection provisions of Estonian or EU law; or (c) your indemnification obligations under Section 13.

We will: (a) promptly notify you of any claim subject to indemnification; (b) provide you with reasonable cooperation in the defense of such claim at your expense; and (c) grant you sole control of the defense and settlement, provided that you may not settle any claim that imposes obligations on GrowthSim or admits fault on our behalf without our prior written consent.

You may cancel your subscription at any time through your account settings. Cancellation takes effect at the end of your current billing period. You retain access to your plan’s features until then.

You may permanently delete your account through account settings. If you are the Organization Owner, you must first transfer ownership to another member or remove all other team members before deletion. Account deletion is irreversible and results in the permanent removal of your user profile, sessions, questionnaires, simulation results, chat history, and billing records (except those retained for statutory obligations).

GrowthSim reserves the right to suspend or terminate your access to the Service, without prior notice if necessary, for any of the following reasons:

• Material violation of these Terms
• Abusive, fraudulent, or illegal activity
• Persistent failure to pay applicable fees
• Activity that threatens the security, integrity, or availability of the Service
• As required by law or court order

Upon termination of your subscription or account:

• Your active subscription, if any, will be canceled with pro-rated adjustments processed via Stripe
• Your plan will be downgraded to Free
• On-Demand Usage will be disabled
• Any remaining billing credits will be expired
• Your Simulation Outputs and AI Outputs will remain accessible on the Free plan unless you delete your account

If you delete your account, you have a 30-day window during which account deletion is backed up for recovery purposes. After this period, all Your Data, Simulation Outputs, and AI Outputs are permanently deleted in accordance with our Privacy Policy. Billing records are retained for 7 years as required by law.

The following sections survive termination of these Terms: Definitions (Section 2), Intellectual Property (Section 9), AI & Simulation Disclaimers (Section 8), Limitation of Liability (Section 12), Indemnification (Section 13), Governing Law & Disputes (Section 16), and any other provisions that by their nature should survive.

These Terms shall be governed by and construed in accordance with the laws of the Republic of Estonia, without regard to its conflict of law principles.

Before initiating any formal proceedings, both parties agree to attempt to resolve any dispute arising out of or relating to these Terms through good-faith negotiation for a period of at least 30 days following written notice of the dispute.

Any disputes that cannot be resolved informally shall be submitted to the exclusive jurisdiction of the Harju County Court (Harju Maakohus) in Tallinn, Republic of Estonia.

If you are a consumer in the European Union, you may be entitled to use alternative dispute resolution (ADR) procedures available in your country of residence. Information about ADR entities and procedures is available from the Estonian Consumer Protection and Technical Regulatory Authority (TTJA) at ttja.ee or from your local consumer protection authority.

If any provision of these Terms is found to be unenforceable or invalid by a court of competent jurisdiction, that provision shall be limited or eliminated to the minimum extent necessary so that the remaining provisions remain in full force and effect.

If you believe we are processing your personal data unlawfully, you have the right to lodge a complaint with the Estonian Data Protection Inspectorate (Andmekaitse Inspektsioon) or your local data protection authority.